IFFCO TOKIO General Insurance Company Limited

Iffco Tokio Super Top Up Policy And Plan

IFFCO TOKIO General Insurance Company Limited

7.8/10

OneAssure Rating

83.47%
Claim Settlement Ratio
5,000
Network Hospitals

Highlighted Features

Room Rent Coverage

Room Rent Coverage

 Covers normal and ICU room charges up to the chosen sum insured, ensuring hassle-free hospitalization.
 

Advanced Treatments

Advanced Treatments

Covers robotic surgeries, stem cell therapy, and specialized procedures like stereotactic radiosurgery and bronchial thermoplasty under the sum insured.

Policy Wording

Our Verdict

IFFCO-TOKIO’s Super Top-Up Health Insurance offers high-value coverage with flexible deductibles and no co-payment, ideal for individuals seeking extra protection beyond their existing health plan, but with waiting periods for certain benefits.

About the Plan

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1. Normal: Covers up to Chosen Sum Insured.

     

  2. ICU: Covers up to Chosen Sum Insured.

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02

Advanced Treatments

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 

  2. Balloon Sinuplasty 

  3.  Deep Brain stimulation 

  4. Oral chemotherapy 

  5.  Immunotherapy - Monoclonal Antibody to be given as injection 

  6. Intra vitreal injections 

  7. Robotic surgeries 

  8. Stereotactic radio surgeries 

  9. Bronchical Thermoplasty

  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)

  11. IONM - (Intra Operative Neuro Monitoring) 

  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

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03

Co-payment

  1. No co-payment is required.

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04

Waiting Periods

  1. Initial Waiting Period: 30 days from policy inception, excluding accidents.

     

  2. Specific Diseases: 24 months for listed ailments.

     

  3. Pre-existing Diseases: 48 months waiting period applies.

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05

Cashless Healthcare Providers

  1. Access to an extensive network of over 5,000 hospitals across India for cashless treatment.

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06

Day Care Treatments

  1. Coverage for medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy.

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07

AYUSH Treatment

  1. Expenses for alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

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Exclusions

Add-ons

Looking for a Specific Hospital ?

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Why OneAssure?

Coverage That Grows With You

We help you maximize your coverage over time for stronger protection.

About the Company

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